retirement

7 real retirement worries to focus on

How can I afford long-term care insurance?
How can I afford long-term care insurance? © Goodluz/Shutterstock.com

What you're worried about: Long-term care insurance is too expensive, or you'll never use it.

What you should be concerned about instead: Will you need long-term care?

"It's something people should think about in their 50s -- either buying some kind of long-term care insurance or self-insuring to make sure they keep not only their quality of life but get the kind of care they need," Curtis says.

"A lot of people don't believe that will happen to them," she adds. "They've been healthy their whole lives."

New products include hybrid life insurance and long-term care insurance in one policy with lump-sum coverage, usable in monthly increments, Di Vincenzo says. If you don't use the policy, your heirs would get a life insurance payout, she says.

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